Q4 Net Interest Income Reaches $52.2M
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 22h ago
0mins
Net interest income was $52.2M for Q4, an increase of $422K from Q3, and an increase of $10.6M from Q4 of 2024. Net interest margin was 3.62% in Q4 as compared to 3.65% in Q3, and 2.91% in Q4 of 2024.
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Analyst Views on FISI
Wall Street analysts forecast FISI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FISI is 34.50 USD with a low forecast of 34.00 USD and a high forecast of 35.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 32.930
Low
34.00
Averages
34.50
High
35.00
Current: 32.930
Low
34.00
Averages
34.50
High
35.00
About FISI
Financial Institutions, Inc. is a financial holding company. It provides a full range of banking and related financial services to consumer, commercial and municipal customers through its bank and non-bank subsidiaries. It offers a range of deposits, lending and other financial services to individuals, municipalities and businesses in the Western and Central New York branch network and its Mid-Atlantic commercial loan production office serving the Baltimore and Washington, D.C. region, through its banking subsidiary, Five Star Bank. It offers deposit products, such as checking and NOW accounts, savings accounts, and certificates of deposit. Its indirect lending network includes relationships with franchised automobile dealers in Western and Central New York, the Capital District of New York, and Northern and Central Pennsylvania. It offers customized investment advice, wealth management, investment consulting and retirement plan services through its subsidiary, Courier Capital, LLC.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Financial Institutions Reports Strong Q4 Earnings
- Earnings Per Share: Financial Institutions reported a GAAP EPS of $3.61 for Q4, indicating strong profitability that is likely to positively influence investor confidence.
- Revenue Growth: The company achieved revenue of $244 million in Q4, marking a significant increase compared to the previous year, demonstrating the effectiveness of its business model and sustained market demand.
- Investment Value Analysis: According to Seeking Alpha's quant rating, Financial Institutions is still considered a worthy investment, reflecting market recognition of its future growth potential.
- Historical Performance Review: The historical earnings data for Financial Institutions further supports its stable financial performance, enhancing investor confidence in its long-term investment value.
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Financial Institutions, Inc. Schedules Q4 2025 Earnings Call for January 30, 2026
- Earnings Release Schedule: Financial Institutions, Inc. will release its Q4 and full-year 2025 results after market close on January 29, 2026, which is expected to provide critical financial data for investors to assess the company's performance.
- Conference Call Details: Management will host an earnings conference call on January 30, 2026, at 8:30 a.m. Eastern Time, led by CEO Martin K. Birmingham and CFO W. Jack Plants II, aimed at interpreting results and addressing investor inquiries.
- Participation Method: U.S. participants can access the call by dialing 1-833-470-1428 and entering access code 441553; additionally, a live audio webcast will be available on the company's website, enhancing investor engagement.
- Company Background: As of September 30, 2025, Financial Institutions, Inc. had approximately $6.3 billion in assets, with its subsidiaries providing diverse banking and wealth management services, reflecting a solid foundation in the financial services sector.
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